Bahor

                      THE MAIN TERMS AND CONDITIONS OF THE DEPOSIT

Name

“BAHOR” term deposit in national currency

The registration object

Funds are accepted through the Ipoteka-Retail mobile application and retail cash desks, in cash and non-cash form

Date of receipt

April 1, 2024

Term and annual interest rate

Min. amount

3 months

6 months

12 months

20 mln. uzs

20%

20%

21%

50 mln. uzs

21%

21%

22%

100 mln. uzs

22%

22%

22%

The top up of funds

Available only in 3-months deposits

Interest calculating

Interest is accrued from the day after receipt of funds and the day before the deposit is closed

Interest payment

Monthly

Capitalization

Not available

Premature withdrawal

In case of early termination of the deposit agreement:

- 0% per annum

Subsequent stage after expiration of the term

Funds deposited as part of online deposits are automatically transferred to the account of the "electronic wallet" after the expiration of the term. For deposits registered via retail cash desks, no interest is accrued after the expiration of the term and before the account is closed

Registration procedure

The offer agreement and deposit agreement of the bank in electronic form

Citizens' deposits in banks are guaranteed in accordance with the Law of the Republic of Uzbekistan "On guarantees for the protection of citizens' deposits in banks"

1. Name of the deposit

Term deposit “Bahor” in national currency

2. Deposit currency

In national currency (uzs)

3. Annual interest rate, term and minimum amount of the deposit

(if the annual interest rate on the deposit is differentiated or depends on the method of registration of the deposit, each is indicated separately)

Minimum amount

3 months

6 months

12 months

50 mln. uzs

20%

20%

21%

75 mln. uzs

21%

21%

22%

100 mln. uzs

22%

22%

22%

4. Availability of capitalization of interest on the deposit (recalculation of interest by adding accrued interest to the principal amount)

Without capitalization

5. The frequency of payment of interest on the deposit

Monthly

6. Registration procedure (online or visit to the bank)

Funds are accepted via “Ipoteka-Retail” mobile application and retail cash desks in cash and non-cash form

7. Top-up of additional funds

Not available (except for 3 monthly deposits)

8. Auto prolongation (onesided prolongation of the deposit period by the bank at the end of the deposit period)

Not available

9. Other conditions

The next stage after the end of the deposit retention period:

Funds deposited as part of online deposits are automatically credited to the account of the "electronic wallet" upon expiration of their storage period, and for deposits made at retail sales offices, interest is not accrued after the expiration of the storage period and before the account is closed.

1. The possibility of partial withdrawal of deposited funds before the end of the deposit term

Not available

2. The procedure for early termination of the deposit agreement

Previously paid interest income is deducted from the balance of the deposit;

In case of early termination of the deposit agreement:

- 0% per annum.

3. Citizens' deposits in banks are guaranteed in accordance with the Law of the Republic of Uzbekistan "On guarantees of protection of citizens' deposits in banks"

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(Full name and position of bank’s employee)

(Date of filling in)